About 70 percent of Americans fail to make a smart Social Security decision and instead just guess or claim early. On average, this costs about $120,000 per couple and amounts to about $25 billion per year in lost benefits.

Editor’s Note: I have been concerned for several years about the effect of low interest rates on retirees and what will happen to their bond investments once interest rates are not artificially suppressed. I’ve also […]

Making informed retirement income decisions is much more difficult than making retirement accumulation decisions, and millions of pre-retirement and retired Americans currently do not have access to the qualified professional advice they need.

The U.S. Senate Special Committee on Aging asked the Government Accountability Office (GAO) to report on recommendations of professionals and choices made by American workers regarding retirement income. For this report, the GAO interviewed officials from the Department of […]

The financial industry generally classifies a client’s risk tolerance by their capability to assume investment risk. When retirement planning for the mid-market, retirement counselors need to prioritize a client’s ability to protect against the additional primary risks […]

For the average mid-market American, home equity is their largest household asset. As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it, such as selling their home/downsizing if […]

Retirement income planning is the most important trend in the financial planning industry today, and it requires a new type of qualified retirement professional who can manage income at the start of and throughout retirement for middle-affluent and middle-mass clients. This article explains a six-step retirement income […]

AARP is redefining the definition of long-term care for older people to include the availability of housing with services, accessible transportation, and funding of respite care for family caregivers. When my mother passed at the end of last year, I realized the importance for all these types of […]

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You will receive an email with a link to a pdf of the most recent issue. Begin learning and earning CFP®, CRC®, ASPPA, CLU®, ChFC®, CASL and other CE right away. Other issues will be delivered quarterly.

Earn CRC® and other CE with our professional development partner, the Retirement Resource Center